Right To Light Indemnity

Right to Light Insurance is an indispensable protection for property owners, whether freehold or leasehold, guaranteeing their entitlement to sufficient natural light within their premises. This safeguard ensures that the implementation of new developments, constructions, or renovations in neighbouring areas does not impinge upon your property's access to daylight.

The concept of a 'Right to Light' pertains to a specific level of light in a room or space. According to the 50:50 rule, a Right to Light infringement transpires when the natural light within a room diminishes to less than 50% of its original intensity. In such instances where a neighbouring project causes such light loss, property owners retain the right to make a claim against the developer.

This entitlement can be formally documented in the Title deeds of properties. In cases where there isn't explicit documentation, it generally applies to buildings over 20 years old.

Right to Light insurance serves as a shield against the financial repercussions of a third party asserting a claim for light loss. This coverage encompasses legal and professional fees, settlement expenses, and substantial losses ensuing from an injunction.

Benefits of Right to Light Insurance:

Risk Mitigation: Right to Light insurance mitigates financial risks for developers in the event of claims or disputes, covering legal fees, court expenses, compensation, and orders for property redevelopment or demolition.

Flexibility: Policies can be tailored to suit the unique requirements of each development project, accommodating factors such as scale, location, and potential impact on neighbouring properties.

Peace of Mind: With Right to Light insurance, you can proceed confidently with your projects, knowing you are shielded against unforeseen legal challenges and potential financial setbacks.

Investment Protection: This insurance serves as a vital tool for safeguarding investments by minimizing the financial risk of claims.

Coverage of Right to Light Insurance:

Right to Light insurance shields against two types of injunctions: prohibitor (preventing further construction) and mandatory (requiring the removal of existing construction). Additionally, it covers the costs of any compensation awarded following an injunction against the developer.

By securing Right to Light insurance, you ensure that your property's access to natural light remains unobstructed, and you are shielded from the financial ramifications of disputes or claims. This invaluable protection can be tailored to meet your project's specific requirements, offering the peace of mind necessary to proceed with property development endeavors.

For further inquiries about Right to Light Insurance, please contact us at 0345 603 0708 or via email at indemnities@legalbrokers.com